Most retirement calculators make a quiet assumption you may never notice:

You’re going to live to 90 or 95.

That assumption drives nearly every recommendation you see — save more, spend less, delay enjoyment, just in case. For some people, that’s prudent. For others, it can lead to unnecessary sacrifice during the healthiest years of retirement.

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Fun Fact Of The Day

Actuarial tables show that once a person reaches their mid-70s, health status becomes a stronger predictor of lifespan than age alone, yet most retirement calculators still rely only on age-based averages.